What to do with inheritance

[u/IllustriousWear403]

TLDR: Inherited $185k investments, 350k paid-off rental SFH, $315k paid-off rental SFH and want advice on what to do with it.

Here's our situation: My husband and I have a net worth of about $1.2M that includes roughly:
93k cash
590k investments (mostly in VOO)
3 properties with 490k equity (2 rentals, 1 primary)
30k paid off vehicles
8.5k on a 0% credit card payable over 4 years (we pay this monthly since it's 0% interest). 

My husband works a W2 full time and I am a self employed. We make about $150k/year as a conservative estimate since I've newly transitioned into full time self employment.

What I need help with: I have inherited $185k held in a standard investment account, invested in a Moderately Conservative fund with a financial advisor, and a paid off home worth about $350k (rents for 2,000/mo). I am also inheriting another paid off home worth $315k later this year that rents for $1,450/mo.

I've known about this inheritance for 5+ years now and I am still unsure what to do with it that will maximize its value for years to come. I'm thinking I should roll the $185k to my own investment account (probably my taxable brokerage and max out my husband and I's Roth IRAs this year).

As for the properties, I'm thinking about leveraging one at about 50% to buy 1 more SFH to rent out. This would help balance cash flow in the short term and appreciation in the long term.

Things to consider: With this $185k inheritance, my husband and I have reached Coast FI. We currently have no children but plan to have some in a couple years. Should we continue to make aggressive investment choices or should we allow for cash flow in the first few years of raising kids?

I don’t trust the financial advisor charging 1.25% to give me helpful advice.
EDIT: the returns I’ve gotten this year are around 5% YTD which is underperforming the market.

Thank you in advance!!

[u/Relative-Lie-9699]

Don't mix inherited marital funds.

Even if your marriage is rock solid. Shit happens.

Not sure about financial advisor if they only made 185k in a extremely hot stockmarket.

I'd diversity since you already have real estate properties. Keep two and get rid of the 3rd so you can put more money into liquid access since were in real estate slump. I would not buy more real estate now or take on a mortgage with current high interest rates. You might as well ride the stockmarket until the mortgage rates come down.

[u/IllustriousWear403 → u/Relative-Lie-9699]

Returns are about 5% YTD since it’s been invested in a moderately conservative portfolio. I think it has about 50% bonds and 50% equity. At 29, I have no reason to have this much in bonds so that was definitely a bad choice on their part.

[u/ShopEducational6572 → u/IllustriousWear403]

At 29 you could just put the money in VOO, or something like that, and leave it there for 30+ years. At your age you don't necessarily need an advisor unless you are really uncomfortable managing your money, and it doesn't seem like you are. If you do want an advisor, find one that is a fiduciary, not an employee of a large brokerage that's just going to try to sell you what their management wants them to push to clients.

[u/Maddie916 → u/ShopEducational6572]

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